/* ============================================================
   Start Up Loan Borrower Rights — Stylesheet
   ============================================================ */

:root {
  --navy:          #1b2d4f;
  --navy-dark:     #121e36;
  --navy-light:    #2a4270;
  --blue:          #2563a8;
  --blue-light:    #3b7fc1;
  --accent:        #c8961a;
  --accent-light:  #f0b429;
  --red:           #b91c1c;
  --red-bg:        #fef2f2;
  --red-border:    #fca5a5;
  --amber-bg:      #fffbeb;
  --amber-border:  #fbbf24;
  --green:         #166534;
  --green-bg:      #f0fdf4;
  --green-border:  #86efac;
  --light-bg:      #f4f7fb;
  --white:         #ffffff;
  --text:          #1a1a2a;
  --text-medium:   #4a5568;
  --text-light:    #718096;
  --border:        #dde3ec;
  --border-dark:   #c4cdd8;
  --shadow-sm:     0 1px 3px rgba(27, 45, 79, 0.08);
  --shadow:        0 2px 12px rgba(27, 45, 79, 0.12);
  --shadow-lg:     0 8px 32px rgba(27, 45, 79, 0.16);
  --radius:        6px;
  --radius-lg:     10px;
  --transition:    0.2s ease;
  --max-width:     1100px;
  --font:          'Segoe UI', system-ui, -apple-system, sans-serif;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
}
img { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: underline; }
a:hover { color: var(--blue-light); }
ul, ol { padding-left: 1.4rem; }
li { margin-bottom: 0.35rem; }

/* ---- Typography ---- */
h1, h2, h3, h4 {
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}
h1 { font-size: clamp(1.6rem, 4vw, 2.4rem); margin-bottom: 1rem; }
h2 { font-size: clamp(1.3rem, 3vw, 1.9rem); margin-bottom: 0.85rem; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.4rem); margin-bottom: 0.7rem; }
h4 { font-size: 1.05rem; margin-bottom: 0.5rem; }
p { margin-bottom: 1.1rem; }
strong { font-weight: 600; color: var(--navy); }

/* ---- Layout ---- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.25rem;
}
.section {
  padding: 3.5rem 0;
}
.section--light { background: var(--light-bg); }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy h1,
.section--navy h2,
.section--navy h3,
.section--navy strong { color: var(--white); }

.grid-2 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.grid-3 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
}

/* ---- Header ---- */
.site-header {
  background: var(--navy);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,0.25);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 64px;
}
.site-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  text-decoration: none;
  letter-spacing: -0.01em;
  line-height: 1.3;
  flex-shrink: 0;
  max-width: 220px;
}
.site-title span {
  display: block;
  font-size: 0.7rem;
  font-weight: 400;
  opacity: 0.75;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.main-nav ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.1rem;
}
.main-nav ul li { margin: 0; }
.main-nav ul a {
  display: block;
  padding: 0.45rem 0.6rem;
  font-size: 0.82rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  border-radius: var(--radius);
  transition: background var(--transition), color var(--transition);
  white-space: nowrap;
}
.main-nav ul a:hover,
.main-nav ul a.active {
  background: rgba(255,255,255,0.12);
  color: var(--white);
}
.main-nav ul a.nav-cta {
  background: var(--accent);
  color: var(--navy);
  font-weight: 700;
}
.main-nav ul a.nav-cta:hover {
  background: var(--accent-light);
}
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 26px;
  height: 20px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  flex-shrink: 0;
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* ---- Warning Banner ---- */
.warning-banner {
  background: var(--red-bg);
  border: 2px solid var(--red-border);
  border-left: 5px solid var(--red);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
}
.warning-banner__icon { font-size: 1.4rem; line-height: 1; margin-right: 0.5rem; }
.warning-banner h3 { color: var(--red); margin-bottom: 0.4rem; font-size: 1rem; }
.warning-banner p,
.hero .warning-banner p { margin: 0; color: var(--text); font-weight: 500; font-size: 1rem; }
.warning-banner p:last-child { margin: 0; }
.warning-banner a { color: var(--red); }

.info-banner {
  background: var(--amber-bg);
  border: 1px solid var(--amber-border);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
}
.info-banner p { margin: 0; }

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);
  color: var(--white);
  padding: 4rem 0 3rem;
}
.hero h1 { color: var(--white); font-size: clamp(1.7rem, 4.5vw, 2.8rem); }
.hero p { color: rgba(255,255,255,0.88); font-size: 1.1rem; max-width: 680px; }
.hero .warning-banner { max-width: 680px; }
.hero-ctas {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 1.8rem;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.7rem 1.4rem;
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: var(--radius);
  text-decoration: none;
  transition: all var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
}
.btn-primary {
  background: var(--accent);
  color: var(--navy-dark);
  border-color: var(--accent);
}
.btn-primary:hover {
  background: var(--accent-light);
  border-color: var(--accent-light);
  color: var(--navy-dark);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
  color: var(--white);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-light);
  border-color: var(--navy-light);
  color: var(--white);
}
.btn-red {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}
.btn-red:hover {
  background: #991b1b;
  border-color: #991b1b;
  color: var(--white);
}

/* ---- Cards ---- */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.card__icon {
  font-size: 2rem;
  margin-bottom: 0.75rem;
  line-height: 1;
}
.card__title { margin-bottom: 0.5rem; }
.card__desc { color: var(--text-medium); font-size: 0.95rem; margin-bottom: 1rem; }
.card a.card-link {
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
  color: var(--blue);
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
}
.card a.card-link:hover { color: var(--navy); }
.card--navy {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.card--navy h3 { color: var(--white); }
.card--navy p { color: rgba(255,255,255,0.85); }
.card--highlight {
  border-left: 4px solid var(--accent);
}

/* ---- Content page layout ---- */
.page-header {
  background: var(--navy);
  color: var(--white);
  padding: 3rem 0 2.5rem;
}
.page-header h1 { color: var(--white); margin-bottom: 0.75rem; }
.page-header p { color: rgba(255,255,255,0.85); font-size: 1.05rem; max-width: 680px; margin: 0; }
.content-body {
  padding: 3rem 0;
}
.content-body .content-section {
  margin-bottom: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--border);
}
.content-body .content-section:last-child {
  border-bottom: none;
  margin-bottom: 0;
}

/* ---- Ordered step list ---- */
.step-list {
  list-style: none;
  padding: 0;
  counter-reset: steps;
}
.step-list li {
  counter-increment: steps;
  display: flex;
  gap: 1rem;
  margin-bottom: 1.1rem;
  align-items: flex-start;
}
.step-list li::before {
  content: counter(steps);
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 2rem;
  height: 2rem;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.85rem;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

/* ---- Route boxes ---- */
.route-box {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.75rem;
  margin-bottom: 1.5rem;
  background: var(--white);
}
.route-box h3 {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  margin-bottom: 0.75rem;
  color: var(--navy);
}
.route-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
}

/* ---- Accordion / FAQ ---- */
.accordion { margin-bottom: 0.5rem; }
.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 0.5rem;
  overflow: hidden;
}
.accordion-trigger {
  width: 100%;
  background: var(--white);
  border: none;
  padding: 1rem 1.25rem;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  transition: background var(--transition);
}
.accordion-trigger:hover { background: var(--light-bg); }
.accordion-trigger.open { background: var(--navy); color: var(--white); }
.accordion-chevron {
  width: 1.2rem;
  height: 1.2rem;
  flex-shrink: 0;
  transition: transform var(--transition);
}
.accordion-trigger.open .accordion-chevron { transform: rotate(180deg); }
.accordion-content {
  display: none;
  padding: 1rem 1.25rem 1.25rem;
  border-top: 1px solid var(--border);
  background: var(--light-bg);
}
.accordion-content.open { display: block; }
.accordion-content p:last-child { margin-bottom: 0; }

/* ---- Form ---- */
.form-group {
  margin-bottom: 1.4rem;
}
.form-group label {
  display: block;
  font-weight: 600;
  margin-bottom: 0.45rem;
  color: var(--navy);
  font-size: 0.95rem;
}
.form-group .label-note {
  font-weight: 400;
  color: var(--text-medium);
  font-size: 0.85rem;
}
.form-group input[type="text"],
.form-group input[type="email"],
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.7rem 0.9rem;
  font-size: 1rem;
  font-family: var(--font);
  border: 1.5px solid var(--border-dark);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(37, 99, 168, 0.15);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-group select {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 20 20'%3e%3cpath stroke='%236b7280' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.5' d='M6 8l4 4 4-4'/%3e%3c/svg%3e");
  background-repeat: no-repeat;
  background-position: right 0.7rem center;
  background-size: 1.2em;
  padding-right: 2.5rem;
}
.form-radio-group { display: flex; flex-direction: column; gap: 0.5rem; }
.form-radio {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  cursor: pointer;
  font-size: 0.95rem;
}
.form-radio input[type="radio"] { margin-top: 0.3rem; flex-shrink: 0; }
.form-submit { margin-top: 2rem; }
.form-anon-note {
  font-size: 0.88rem;
  color: var(--text-medium);
  margin-top: 0.75rem;
  display: flex;
  align-items: flex-start;
  gap: 0.4rem;
}
.success-message {
  display: none;
  background: var(--green-bg);
  border: 1px solid var(--green-border);
  border-left: 4px solid var(--green);
  border-radius: var(--radius);
  padding: 1.5rem;
  color: var(--green);
  font-weight: 500;
}

/* ---- Support links ---- */
.support-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem;
}
.support-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
}
.support-item strong { display: block; margin-bottom: 0.25rem; color: var(--navy); }
.support-item a { font-size: 0.9rem; }

/* ---- Advice disclaimer bar ---- */
.advice-disclaimer {
  background: #f0f4ff;
  border-top: 3px solid #4f46e5;
  padding: 1.1rem 0;
  font-size: 0.88rem;
  color: var(--text-medium);
}
.advice-disclaimer p { margin: 0; line-height: 1.6; }
.advice-disclaimer strong { color: var(--text); }
.advice-disclaimer a { color: var(--blue); }

/* ---- Timeline builder ---- */
.timeline-entry {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1rem 0;
  border-bottom: 1px solid var(--border);
}
.timeline-entry:last-child { border-bottom: none; }
.timeline-entry__date {
  min-width: 110px;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--navy);
  padding-top: 0.1rem;
  flex-shrink: 0;
}
.timeline-entry__desc { flex: 1; font-size: 0.95rem; }
.timeline-entry__remove {
  background: none;
  border: 1px solid var(--red-border);
  color: var(--red);
  border-radius: var(--radius);
  padding: 0.2rem 0.5rem;
  font-size: 0.8rem;
  cursor: pointer;
  flex-shrink: 0;
  transition: all var(--transition);
}
.timeline-entry__remove:hover { background: var(--red-bg); }
.timeline-output-empty { color: var(--text-light); font-style: italic; padding: 1.5rem 0; }

/* ---- Evidence checklist ---- */
.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.85rem 1rem;
  border-radius: var(--radius);
  margin-bottom: 0.4rem;
  background: var(--white);
  border: 1px solid var(--border);
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition);
}
.checklist-item:hover { background: var(--light-bg); }
.checklist-item.checked {
  background: var(--green-bg);
  border-color: var(--green-border);
}
.checklist-item input[type="checkbox"] { margin-top: 0.25rem; flex-shrink: 0; accent-color: var(--green); width: 1.1rem; height: 1.1rem; }
.checklist-item__label { flex: 1; }
.checklist-item__title { font-weight: 600; font-size: 0.95rem; margin-bottom: 0.15rem; }
.checklist-item__desc { font-size: 0.85rem; color: var(--text-medium); margin: 0; }
.checklist-item.checked .checklist-item__title { color: var(--green); text-decoration: line-through; }
.checklist-progress {
  background: var(--border);
  border-radius: 99px;
  height: 8px;
  margin: 1.25rem 0 0.5rem;
  overflow: hidden;
}
.checklist-progress__bar {
  height: 100%;
  background: var(--green);
  border-radius: 99px;
  transition: width 0.4s ease;
}
.checklist-count { font-size: 0.9rem; color: var(--text-medium); margin-bottom: 1.5rem; }

/* ---- Template letters ---- */
.letter-block {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: 2rem;
}
.letter-block__header {
  background: var(--navy);
  color: var(--white);
  padding: 1rem 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.letter-block__header h3 { color: var(--white); margin: 0; font-size: 1rem; }
.letter-block__purpose {
  padding: 0.75rem 1.5rem;
  background: var(--light-bg);
  border-bottom: 1px solid var(--border);
  font-size: 0.88rem;
  color: var(--text-medium);
}
.letter-block__body {
  background: var(--white);
  padding: 1.25rem 1.5rem;
}
.letter-block__body pre {
  font-family: var(--font);
  font-size: 0.88rem;
  line-height: 1.8;
  white-space: pre-wrap;
  margin: 0;
  color: var(--text);
}
.copy-btn {
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.3);
  color: var(--white);
  border-radius: var(--radius);
  padding: 0.35rem 0.85rem;
  font-size: 0.82rem;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  flex-shrink: 0;
}
.copy-btn:hover { background: rgba(255,255,255,0.25); }
.copy-btn.copied { background: var(--green); border-color: var(--green); }

/* ---- Who's Who panel ---- */
.whos-who {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1rem;
  margin: 1.5rem 0;
}
.whos-who-card {
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.5rem;
  border: 1px solid var(--border);
}
.whos-who-card--gov {
  background: #f0f4ff;
  border-color: #c7d3f5;
}
.whos-who-card--private {
  background: #fff7ed;
  border-color: #fed7aa;
}
.whos-who-card__tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  padding: 0.2rem 0.55rem;
  border-radius: 3px;
  margin-bottom: 0.6rem;
}
.whos-who-card--gov .whos-who-card__tag {
  background: #1d4ed8;
  color: #fff;
}
.whos-who-card--private .whos-who-card__tag {
  background: #c2410c;
  color: #fff;
}
.whos-who-card h4 { margin-bottom: 0.35rem; font-size: 1rem; }
.whos-who-card p { font-size: 0.9rem; margin-bottom: 0.6rem; color: var(--text-medium); }
.whos-who-card a { font-size: 0.88rem; font-weight: 600; }

/* ---- Placeholder image box ---- */
.image-placeholder {
  border: 2px dashed var(--border-dark);
  border-radius: var(--radius-lg);
  padding: 3rem 2rem;
  text-align: center;
  background: var(--light-bg);
  color: var(--text-light);
  font-style: italic;
}
.image-placeholder p { margin: 0; }

/* ---- Callout boxes ---- */
.callout {
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
}
.callout--blue {
  background: #eff6ff;
  border-left: 4px solid var(--blue);
}
.callout--green {
  background: var(--green-bg);
  border-left: 4px solid var(--green);
}
.callout--amber {
  background: var(--amber-bg);
  border-left: 4px solid var(--accent);
}
.callout--red {
  background: var(--red-bg);
  border-left: 4px solid var(--red);
}
.callout p:last-child { margin-bottom: 0; }

/* ---- Breadcrumb ---- */
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  align-items: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 1rem;
}
.breadcrumb a { color: rgba(255,255,255,0.75); text-decoration: none; }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb span { color: rgba(255,255,255,0.4); }

/* ---- CTA Section ---- */
.cta-section {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 3rem 0;
}
.cta-section h2 { color: var(--white); margin-bottom: 0.75rem; }
.cta-section p { color: rgba(255,255,255,0.85); max-width: 520px; margin: 0 auto 1.75rem; }
.cta-section .btn-primary { font-size: 1.05rem; padding: 0.85rem 2rem; }

/* ---- Footer ---- */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  padding: 2.5rem 0 1.5rem;
  font-size: 0.88rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  align-items: start;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 1.25rem;
}
.footer-disclaimer { margin: 0; line-height: 1.6; }
.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  white-space: nowrap;
}
.footer-links a {
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--white); }
.footer-bottom {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
}

/* ---- Responsive ---- */
@media (max-width: 820px) {
  .nav-toggle { display: flex; }
  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy-dark);
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 1rem 1.25rem;
    z-index: 99;
  }
  .main-nav.open { display: block; }
  .main-nav ul { flex-direction: column; gap: 0.2rem; }
  .main-nav ul a { padding: 0.6rem 0.75rem; font-size: 0.95rem; }

  .hero { padding: 2.5rem 0 2rem; }
  .hero-ctas { flex-direction: column; align-items: flex-start; }

  .footer-grid { grid-template-columns: 1fr; gap: 1.25rem; }
  .footer-links { flex-direction: row; flex-wrap: wrap; gap: 0.75rem; }

  .section { padding: 2.5rem 0; }
}

@media (max-width: 520px) {
  body { font-size: 16px; }
  .page-header { padding: 2rem 0 1.75rem; }
  .route-box { padding: 1.25rem; }
}